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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,364 | $167,415-77.1% | $140,514-72.7% | $198,609-80.7% |
| Participation rate | 42.1% | 80.9%-38.8pp | 77.8%-35.7pp | 82.4%-40.3pp |
| Annual return | 8.63% | 13.85%-5.2pp | 14.36%-5.7pp | 202.70%-194.1pp |
| Employer contribution / active EE | $0 | $4,088-100.0% | $3,378-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $2,187 | $5,579-60.8% | $4,919-55.5% | $6,977-68.6% |
| Admin fee / account holder | $5,931 | $16,730-64.5% | $13,697-56.7% | $19,030-68.8% |